Clearco Alternatives: Fees, Terms, and Better Options for Ecommerce Funding in 2026

Introduction

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Clearco (formerly Clearbanc) is a revenue based financing provider that pioneered revenue-based financing for eCommerce in 2015, offering non-dilutive funding to ecommerce brands and DTC businesses through advances on future revenue. But in 2026, “Clearco alternatives” has become one of the most common searches among founders seeking growth capital, and the reasons are specific, structural, and worth understanding before you commit to any financing provider.

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This article compares Clearco's funding model with other non‑dilutive e commerce funding options, including Uncapped, Wayflyer, Shopify Capital, Capchase, and several niche providers. It is written for founders of ecommerce businesses, digital businesses, and recurring revenue businesses, whether you sell on Shopify, Amazon, WooCommerce, or other ecommerce platforms, who are doing at least $10k–$100k or more in monthly revenue and want working capital or growth capital without giving up equity.

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The short answer: founders typically switch from Clearco because of its 50% daily revenue sweep on Cash Advance products, an exclusivity clause that restricts additional financing while your contract is active, and flat fees in the 8–14% range that become far more expensive per month of capital when repaid quickly. These terms create cash flow strain and limit optionality at exactly the moments when ecommerce companies need flexibility most.

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Here's what you'll learn:

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• How Clearco's Cash Advance and Invoice Funding products really work in practice in 2026.
• Which specific contract terms (daily sweep, exclusivity, eligibility tightening) create cash‑flow risk for ecommerce sellers.
• What features to demand in any Clearco alternative: no exclusivity, no personal guarantees, transparent fees, and flexible repayment.
• How Uncapped, Wayflyer, Shopify Capital, and others compare on fees, flexibility, and post funding support.
• How to decide which funding model (revenue based funding, term loan, line of credit, or PO/inventory finance) fits your business model and revenue pattern.

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Understanding Clearco's Funding Model

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Before evaluating Clearco alternatives, founders need a precise understanding of what Clearco actually offers in 2026 and how its products are structured. The details of its fee model and contract terms are what ultimately determine whether Clearco's financing solutions are a fit or a constraint.

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What Clearco Offers in 2026 (Cash Advance & Invoice Funding)

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Clearco's two core products are Cash Advance and Invoice Funding (also called Receipt Funding). The Cash Advance works as a revenue share model: Clearco purchases a portion of your future revenue in exchange for upfront capital, and you repay through a percentage of daily sales until the advance plus a fixed fee is fully paid. Invoice Funding, by contrast, advances capital against outstanding receivables (unpaid invoices or receipts), with repayment structured as fixed weekly payments over a term you select (typically 4–6 months).

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Both products are structured as purchases of future receivables rather than traditional loans, meaning there is no compounding interest. Instead, Clearco charges a flat fee agreed upfront. Clearco requires a minimum of $10,000 monthly revenue and businesses must have at least six months trading history. Typical use cases include funding paid ads, inventory purchases, supply chain payments, and general working capital for ecommerce brands and consumer brands.

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Geographic availability has shifted over recent years. Clearco previously paused lending in US/Canada during 2022–2023 and has since repositioned, with its strongest current presence in the UK and selected European markets. Founders should verify exact country coverage before applying.

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How Clearco's Fees and Repayments Really Work

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Clearco charges 5–8% fees for typical advance periods on its Invoice Funding product: roughly 5% for a 4-month term, 6.25% for 5 months, and 8% for 6 months. Cash Advance flat fees are reported in the 8–14% range depending on business health and risk profile.

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The defining feature of Clearco's Cash Advance is its 50% daily revenue sweep: Clearco automatically collects 50% of your daily card and online sales revenue until the total owed (advance plus flat fee) is repaid. In strong sales periods, repayments accelerate sharply, which means you clear the balance faster but lose significant operating cash flow precisely when you might want to reinvest. Because the fee is fixed, the faster you repay, the more that capital costs you per month, according to independent founder analyses and review data.

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Invoice Funding offers more predictability. Weekly fixed payments are capped at 30% of that week's revenue if sales drop below projections, which provides some downside protection. There are no standby fees or charges on undrawn capital in Invoice Funding. However, on the Cash Advance side, there is no early-repayment discount: you pay the full flat fee regardless of how quickly you repay.

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Key Contract Clauses: Exclusivity and Restrictions

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One of the most significant terms in Clearco's Cash Advance agreement is its exclusivity clause: while under contract, merchants typically cannot take additional financing of the same type from other providers without Clearco's consent. This limits founders' ability to refinance, stack complementary funding, or shop for better terms during critical growth windows like Q4.

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Other structural points worth noting: Clearco sometimes delivers funds via a Clearco-issued prepaid card rather than a standard bank account transfer, which can restrict how capital is spent (e.g., only with vendors who accept card payments). Founder feedback also highlights restrictive covenants on bank accounts, potential liability caps as low as $500 in some contracts, and Clearco's ability to sell or transfer contract obligations to third parties.

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These are the exact contract terms that drive many founders toward Clearco alternatives, particularly those who need flexible funding solutions that don't lock them into a single capital provider.

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Why Founders Look for Clearco Alternatives

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Now that the structural details of Clearco's products are clear, the next question is practical: what happens when these terms meet real-world ecommerce operations? The pain points are specific and well-documented in Trustpilot reviews, founder forums, and independent comparisons.

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Daily Revenue Sweep and Cash‑Flow Strain

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A 50% daily revenue sweep can squeeze operating cash flow dramatically. Consider a Shopify brand generating $3,000/day in revenue: $1,500/day is diverted to Clearco repayments. During a growth push, when you need to purchase inventory, fund ad campaigns, or cover payroll, that sweep can create a cash crunch that undermines the very growth the capital was meant to fuel.

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Revenue-based financing can compress available operating cash flow with a drop in monthly sales, but the opposite is also painful: in strong months, you repay faster and lose more working capital. The flat fee remains unchanged regardless. This dynamic means that businesses with spiky or seasonal sales performance can face a real cost far higher than the headline fee suggests. Many revenue-based financing models revolve around generating funds from future revenues, but the daily sweep rate determines how much of today's revenue remains available for operations.

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Contrast this with providers that use lower revenue share percentages (e.g., 5–25%) or fixed-schedule repayments. These structures let brands manage cash flow more predictably and retain more capital for inventory and marketing during high-revenue periods.

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Exclusivity and Loss of Financing Flexibility

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Clearco's exclusivity clause becomes problematic in several common scenarios. A founder preparing for peak season may want to layer PO financing on top of a revenue-based advance, but the exclusivity restriction can block that. If a competing provider offers better terms mid-contract, the founder can't switch or refinance without Clearco's consent.

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Many founders now prefer providers that explicitly allow parallel financing and refinancing, as long as total debt remains healthy. The ability to stack a revenue-based cash advance with inventory or supplier financing is increasingly seen as essential for ecommerce brands navigating complex supply chain timelines.

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Eligibility Tightening and Market Pullbacks

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Between 2022 and 2023, Clearco underwent significant changes: large staff reductions, a pause of US/Canada lending for some products, and a refocus on specific European markets with more conservative underwriting. Pre-approved offers were rescinded for some merchants, limits were reduced, and whole regions temporarily lost access.

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These shifts made funding availability unpredictable for small businesses and established businesses alike. Founders who had built their growth plan around Clearco's capital found themselves without funding at critical moments. The lesson: stability and continuity from capital partners matters, especially heading into key seasons when ecommerce brands need to purchase inventory and scale marketing capital.

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Support Quality and Transparency Concerns

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Trustpilot data offers a factual lens on the customer experience gap. Clearco holds approximately a 4.4/5 overall rating but with roughly 14% one-star reviews, many of which cite unclear communication on fees, unexpected eligibility changes, and slow post funding support on billing questions. By comparison, Wayflyer scores around 4.9/5 with approximately 6% one-star reviews, a meaningful gap when you're entrusting a provider with daily access to your revenue.

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These are data points, not value judgements. But they should be considered alongside pricing and product fit. Founders should read recent negative reviews for any provider they're considering to understand worst-case scenarios before committing.

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What to Look for in a Clearco Alternative

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With the reasons for switching established, here is a practical checklist of the criteria that define a better alternative for e commerce funding.

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Core Commercial Terms: Fees, Sweeps, and Repayment Structure

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Look beyond headline flat fees. The critical exercise is modeling the real cost of the fee based on realistic payback speed under your actual revenue pattern. E-commerce businesses need to assess the fee structures of financing options available before signing.

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Compare these elements across providers:

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• Flat fee ranges and whether they vary with term length or business performance.
• Revenue share percentage for repayment (e.g., 5–25% vs. Clearco's 50% daily sweep).
• Availability of fixed-schedule repayments instead of pure percentage-of-sales models.
• Whether early repayment reduces fees or the flat fee is locked regardless.

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Revenue-based financing allows businesses to secure capital in exchange for a percentage of future revenue, but the specific percentage and repayment schedule make all the difference. Repayments in revenue-based financing scale directly with sales performance, so lower sweep rates preserve more operating cash during strong months. Our own products, for instance, include a Cash Advance (US) repaid as a fixed share of sales (5% to 25%), collected weekly or every 14 days, and Term Loans with fixed repayments and one fixed fee, which can substantially improve cash flow planning.

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Contract Flexibility: No Exclusivity, No Personal Guarantees

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Modern, founder-friendly flexible funding options should not require:

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• Exclusivity clauses that block other financing while your contract is active.
• Personal guarantees that put founders' personal assets at risk.
• Blanket liens over all receivables or bank account restrictions.

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We take no equity, no board seats and no warrants, and we never ask for personal guarantees. Non-dilutive growth capital offers funding without giving up equity, and the best providers extend that principle to contract terms too. Before signing with any provider, request a sample contract and explicitly check for exclusivity, PG, and covenant clauses.

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Eligibility, Speed, and Limit Scalability

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Founders of digital brands can apply for revenue-based financing after six months of trading, but eligibility thresholds vary significantly across providers. Understand the trade-offs:

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• Lower revenue thresholds typically come with higher-risk pricing; stricter thresholds often come with cheaper capital.
• Ultra-fast, automated approvals (within hours) vs. more tailored underwriting with slightly longer timelines.

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Good alternatives can usually fund within 24–72 hours after data connection, often offering limits that scale with monthly revenue. We typically look for $100K+ monthly revenue for online brands (or $10K+/month for Amazon sellers), with 6+ months trading history, and make a decision within 24 hours. Funding decisions for revenue-based financing can occur within hours with the right data connections in place.

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Transparency and Support: Trustpilot, Reviews, and Service Model

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When evaluating any funding platform, compare:

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• Trustpilot scores and the percentage of 1- and 2-star reviews for each provider.
• Availability of dedicated account managers vs. ticket-only support.
• Clarity of pricing examples, fee calculators, and contract summaries published on the provider's website.

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Read at least 5–10 recent negative reviews for every provider (including Uncapped and Wayflyer) to understand the worst-case experience. Transparent fees and clear communication are non-negotiable for any serious Clearco alternative.

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Top Clearco Alternatives for Ecommerce & Digital Brands

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This section compares several leading Clearco alternatives on their model, fees, and key differences. Uncapped and Wayflyer are highlighted as the most prominent options for ecommerce brands, with Shopify Capital and SaaS-focused providers covered for specific use cases.

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Uncapped: Term Loans, Cash Advance and Line of Credit for Ecommerce Brands

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Uncapped provides non-dilutive growth capital for ecommerce brands and Amazon sellers through Term Loans, a Cash Advance and a Line of Credit. Funding ranges from $10K to $2M for inventory purchases, marketing spend, purchase orders, hiring, and expansion, with no restrictions on how the money is spent. We fund businesses in the UK, US, and Canada, and the Cash Advance and Line of Credit are available in the US only.

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Term Loans carry one fixed fee from 0.7% per month over terms up to 24 months, so the full cost is known upfront. Our Cash Advance also has one fixed fee agreed upfront and no interest, and is repaid as a fixed share of sales (5% to 25%), collected weekly or every 14 days rather than as a daily sweep; most customers repay within about 4 to 6 months. The Line of Credit has a fixed APR from 12.99%, and you only pay interest on what you use. Once part of your funding is repaid, you can top up or refinance with us as your business grows.

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Key differentiators:

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• No equity, no board seats, no warrants.
• No personal guarantees.
• Applying doesn't affect your credit score.
• Decisions within 24 hours (many Amazon offers in minutes), based on your real sales and bank data, with no pitch deck or business plan.

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We are well suited to founders who want predictable, flexible funding with the full cost known upfront. We are one of the strongest Clearco alternatives for ecommerce brands seeking to avoid the constraints of traditional bank loans and venture capital alike.

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Wayflyer: Large‑Ticket Revenue‑Based Funding for Scaling Brands

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Wayflyer is purpose-built for ecommerce and DTC brands, especially those with strong revenue history and international expansion plans. Wayflyer has funded over 5,000 businesses since its founding in 2019, with a particular focus on European markets. Funding from Wayflyer ranges from $5,000 to $20 million, making it suitable for both emerging and established businesses.

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Wayflyer requires at least $20,000 monthly revenue for six months, and its key capabilities include larger funding limits and revenue-based repayment designed for ecommerce operators. Repayment is based on a percentage of revenue, with variable revenue-share repayments generally lower than Clearco's 50% sweep. Wayflyer charges fixed fees between 2% and 10% for funding, depending on risk, term, and business performance. These strengths are most relevant for scaling ecommerce brands that want larger limits and revenue-linked repayment. Terms are personalized after application, so smaller brands may see different pricing than larger, more stable operations.

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On Trustpilot, Wayflyer maintains approximately 4.9/5 with only about 6% one-star reviews, a meaningfully stronger customer satisfaction signal than Clearco's 4.4/5 with 14% one-star reviews. Positive feedback emphasizes speed, dedicated account management, and clarity of terms.

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Wayflyer is a strong option for larger or fast-scaling ecommerce brands needing big limits, global reach, and a provider with a track record across over 5,000 European businesses.

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Shopify Capital: Embedded Funding for Shopify‑First Brands

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Shopify Capital is an embedded financing solution accessible directly from your Shopify admin dashboard, available by invitation. Some platforms provide cash advances based on sales history, and Shopify Capital epitomizes this approach: offers are generated automatically based on your store's data, with no separate application or credit check required.

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Repayment works as a fixed percentage of daily Shopify sales, automatically remitted until a fixed fee is repaid. On days you don't sell, you pay nothing. Maximum repayment terms can extend up to 18 months.

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Pros: no additional applications, extremely fast access, fully integrated with Shopify data, no personal guarantees for many offers. Cons: only available to Shopify merchants in select geographies (US, Canada, UK, Australia, some EU), limited flexibility in structures, terms are less negotiable than standalone providers, and Shopify Capital often places a blanket UCC-1 lien over future receivables. This limited applicability makes it a convenience play rather than a comprehensive financing solution.

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Shopify Capital is ideal for smaller or mid-size Shopify-centric online businesses that value convenience over maximum flexibility. For brands selling across multiple ecommerce platforms or needing more complex funding structures, Uncapped or Wayflyer will typically offer broader optionality.

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Founders & SaaS‑Focused Alternatives (Capchase, Pipe, etc.)

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For saas companies and subscription businesses with recurring revenue models, two names frequently appear alongside Clearco:

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• Capchase specializes in financing for B2B SaaS companies, advancing capital against annual or quarterly contracts integrated with billing tools. Its product has shifted in 2026 toward vendor financing and payment-terms tools, with its older ARR advance product less prominently featured.
• Pipe formerly allowed SaaS companies to trade future subscriptions for upfront cash on a marketplace. In 2026, Pipe has pivoted toward embedding capital in platforms rather than offering direct founder-facing advances, making it less relevant as a standalone Clearco alternative for most ecommerce sellers.

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These options are relevant Clearco alternatives mainly for subscription or SaaS-like recurring revenue, not necessarily for product-based ecommerce. Ecommerce brands primarily selling physical goods will usually be better served by Uncapped, Wayflyer, Shopify Capital, or specialized inventory/PO financing solutions.

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Other Ecommerce‑Oriented Lenders (Settle, 8fig, etc.)

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Several niche providers serve specific segments of the ecommerce and wholesale sectors:

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• Settle: inventory and payables-focused financing for CPG and ecommerce brands, strong on PO funding. Best for brands with complex supplier relationships and seasonal inventory cycles.
• 8fig: growth-plan-based funding tied to specific inventory and marketing milestones. Capital is released in stages according to your growth plan, which can reduce over-borrowing but adds complexity to onboarding.
• Paperstack: requires $25,000 monthly revenue and 12 months in business, offering a different threshold profile than Uncapped or Wayflyer.
• Founderpath: offers predictable fixed payments for e-commerce businesses and SaaS firms, with publicly transparent terms including discount floors and repayment caps.
• Resolve: serves over 12,000 B2B businesses with non-recourse financing. Non-recourse invoice financing eliminates risk for businesses, making it a strong fit for B2B ecommerce and wholesale.

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Many brands combine a working capital facility with one of these PO/inventory-heavy products for peak seasons. Stacking is only possible when your primary provider doesn't impose exclusivity, so check the contract first.

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Clearco vs Key Alternatives: Side‑by‑Side Comparison

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This section provides a visual comparison to help founders quickly see how Clearco stacks up against major alternatives on the dimensions that matter most for business growth and cash flow protection.

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Clearco vs Uncapped vs Wayflyer: Core Criteria

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Trustpilot figures as of mid-2026; verify current ratings before making decisions.

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Synthesis: Uncapped is a strong fit for founders who want flexible growth capital with the full cost known upfront and no personal guarantees, particularly ecommerce brands in the $100K+/month revenue range and Amazon sellers from $10K/month. Clearco's Invoice Funding terms can suit businesses with strong receivables and shorter-duration needs, but the Cash Advance product's 50% sweep and exclusivity clause make it restrictive for most scaling brands. Wayflyer excels for larger ecommerce businesses needing high funding limits (up to $20 million) and personalized terms, especially across European markets.

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Interpreting Flat Fees and the Real Cost of Capital

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A flat fee looks simple, but what it really costs you depends heavily on how fast you repay. Consider a worked example:

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• $200,000 advance with a 10% flat fee ($20,000 total cost)

  • Repaid in 4 months: $20,000 for four months of capital, about $5,000 per month

  • Repaid in 8 months: the same $20,000 buys eight months, about $2,500 per month

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With Clearco's 50% daily sweep, strong sales performance can push repayment into the 3–4 month range, which puts it closer to the first line of that example than the second. The flat fee doesn't decrease if you repay early on Clearco's Cash Advance products, so overperformance actually increases your cost of capital per month.

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Before signing with any alternative, ask each provider for the total cost and monthly repayments under realistic sales scenarios (best case, base case, and slow case). This is the only clearco alternative comparison metric that truly reflects the cost of capital for your specific e commerce store.

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How to Choose the Right Clearco Alternative: Practical Framework

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Choosing the right financing solution requires more than comparing fee tables. This step-by-step process is tailored to ecommerce and digital founders comparing multiple offers from different funding solutions.

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Step‑by‑Step Selection Process

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1. Define the job of capital: Are you funding inventory, marketing spend, a payroll bridge, or a new channel launch? Revenue-based financing is suited for businesses aiming to avoid equity dilution on short-cycle investments. For slower-payback initiatives, consider longer-term structures.
2. Map your revenue pattern: Identify whether your monthly revenue is seasonal, platform-concentrated (e.g., 80% Amazon), or relatively stable. Revenue-based financing can be structured with fixed repayment schedules or performance ties, so match the structure to your reality.
3. Shortlist 3–5 providers: Choose providers whose products fit your use case and revenue model. For example, Uncapped for ad spend and inventory; Settle for PO funding; Wayflyer for large-scale international expansion. SBA 7(a) loans offer up to $5 million for working capital and small businesses needing longer-term traditional loan structures.
4. Request clear, written quotes: Ask for flat fee percentages, revenue share rates, repayment schedule projections, any limits on upsizing, and explicit language on exclusivity and personal guarantees. Avoid any provider with hidden fees or opaque contract terms.
5. Model cash-flow impact: Build forecasts for the next 3–9 months under best-case and worst-case revenue scenarios. Calculate how much operating cash remains after repayments under each provider's terms.
6. Compare contract terms: Check exclusivity, blanket liens, PG requirements, early repayment options, renewal behavior, and whether the provider can alter terms after the initial offer.
7. Check independent signals: Review Trustpilot scores, case studies, founder forum feedback, and talk to fellow founders who have used each provider.

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When a Clearco‑Style Product Still Makes Sense

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Clearco's model can still be appropriate in specific cases:

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• Highly predictable DTC brands with stable daily sales who want short-term boosts and can tolerate the cash flow impact of a 50% sweep.
• Businesses prioritizing pure automation and card-based funding over maximum flexibility, particularly early stage founders who value speed above all else.
• Invoice Funding use cases where the 5–8% flat fee with weekly fixed payments and the 30% revenue cap on down weeks genuinely match the business's receivables cycle.

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Even in these cases, founders should obtain comparative quotes from Uncapped, Wayflyer, and at least one inventory-focused e commerce lender to benchmark cost and terms. Choosing the right financing provider depends on the business model and revenue structure, not just which provider offers the fastest approval.

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Common Challenges When Switching from Clearco (and How to Solve Them)

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Moving away from an existing Clearco facility raises practical challenges around timing, cash flow, and contract exit. Here's how to navigate each.

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Problem 1: Exiting an Existing Clearco Agreement

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• Review your Clearco contract for early-repayment rights and any penalties. On Cash Advance products, the full flat fee is typically owed regardless of when you repay. There is no discount for early settlement.
• Ask Clearco for a current payoff amount and timeline to clear the balance.
• Coordinate new funding so that switching doesn't create a cash-flow gap.
• Sequence carefully: ensure you can access funding from your new provider before the Clearco balance is fully cleared to avoid a period without working capital.

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Problem 2: Avoiding Over‑Borrowing When Stacking Alternatives

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If you layer multiple revenue-based products, combined sweeps can exceed safe thresholds, potentially claiming 60%+ of daily revenue and leaving too little to operate. A simple rule of thumb: keep total variable repayments below 20–30% of your conservative daily or weekly revenue.

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Model your worst revenue periods, not just your average. Business credit cards, merchant cash advances, and revenue share agreements all draw from the same revenue pool. Ensure cash buffers exist before stacking. Flexible repayment options can reduce financial risk for businesses, but only if the total obligation remains manageable under downside scenarios.

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Problem 3: Matching Funding Structure to Use of Funds

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A common error is using very short-term, high-cost capital for long-payback initiatives like product development, team hires, or R&D. The mismatch between repayment speed and ROI timeline can destroy margins.

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Instead, match your funding structure to the investment's return cycle:

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• Revenue based funding or lines of credit for inventory and marketing capital with quick return cycles.
• Longer-term loans (including lighter capital options or SBA loans) or venture capital for slower-payback investments where equity dilution may be the more rational trade-off.

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Choose providers willing to discuss this alignment rather than simply maximizing deal size. E-commerce and DTC brands often seek revenue-based financing for rapid inventory capital, but the structure should serve the business, not the other way around.

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Conclusion and Next Steps

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Clearco's model, with a 50% daily revenue sweep, an exclusivity clause, and flat fees in the 8–14% range, can be expensive and restrictive for many ecommerce brands generating revenue in 2026. Strong alternatives exist that offer revenue based financing without exclusivity, without personal guarantees, and with more flexible repayment structures that protect cash flow.

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The best Clearco alternative depends on your business model, revenue pattern, and the specific job your capital needs to do. Uncapped and Wayflyer are two of the most established, ecommerce-focused options with transparent terms, but the right answer may also include Shopify Capital, invoice factoring, or inventory-specific providers depending on your situation.

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Your next steps:

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• Audit your current and projected cash-flow for the next 6–12 months, including seasonal peaks and troughs.
• Shortlist 3–4 providers (including Uncapped) and request detailed offers with all fees and repayment terms in writing.
• Model total cost and repayment impact under best-case and worst-case annual revenue scenarios before deciding.
• Speak directly with each provider about exclusivity, personal guarantees, and renewal behaviors.
• Choose the structure that protects cash-flow and optionality, not just the biggest headline limit.

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If you're ready to explore non-dilutive funding for your ecommerce brand, check your eligibility with us. Applying doesn't affect your credit score.

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FAQs About Clearco Alternatives

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Is Clearco a good option for ecommerce funding in 2026?

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Clearco can still be suitable for brands with highly predictable, stable daily sales that can tolerate a 50% revenue sweep and don't need to layer additional financing. Clearco charges 5–8% fees for revenue-based financing on its Invoice Funding products, which can be competitive for short-duration advances. However, for most ecommerce brands seeking flexible funding, alternatives like Uncapped or Wayflyer offer repayment structures that are gentler on cash flow than a 50% daily sweep, making them safer choices for brands that need to manage cash flow during growth phases.

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Which Clearco alternative is best for Shopify stores?

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Shopify Capital wins on pure convenience: it's embedded in your dashboard, requires no separate application, and repayment is tied to daily Shopify sales. But it's limited to Shopify-only merchants, offers less negotiable terms, and may place liens on your receivables. For Shopify merchants with $100k+ in monthly revenue who want more flexibility, we offer Term Loans, a Cash Advance and a Line of Credit (the last two in the US), with a decision within 24 hours. Wayflyer is a strong fit for Shopify stores doing $20k+/month that plan to scale significantly or expand internationally.

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How do fees at Clearco compare to Uncapped and Wayflyer?

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Clearco's Cash Advance flat fees run 8–14%, and the 50% daily sweep means they are often repaid quickly, which makes that fee expensive per month of capital. Clearco charges 5–8% fees for Invoice Funding on shorter terms. Wayflyer charges fixed fees between 2% and 10%, with repayment based on a percentage of revenue at typically lower sweep rates. Our Term Loans carry one fixed fee from 0.7% per month, and our Cash Advance has one fixed fee agreed upfront with no interest, so the full cost is known before you sign. In all cases, what you really pay per month depends heavily on repayment speed, so always model this under your specific revenue pattern before signing.

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Can I get non‑dilutive funding without a personal guarantee?

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Yes. We never require personal guarantees. Revenue-based providers like Wayflyer typically do not require them either for standard ecommerce funding products. Clearco also generally does not require PGs, though its contracts include other restrictive covenants. Some traditional banks, term-loan providers, and SBA programs will require personal guarantees. Always verify in the contract. Revenue-based financing is suited for businesses aiming to avoid equity dilution and personal financial exposure simultaneously.

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How quickly can I switch from Clearco to an alternative?

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We make a decision within 24 hours, and many Amazon offers arrive in minutes. The key constraint is sequencing: calculate your Clearco payoff amount, coordinate new funding deployment so you don't face a cash-flow gap, and ensure your new provider's terms are fully confirmed before initiating the switch. For most founders, the transition from application to receiving funding from an alternative takes 3–5 business days when managed proactively.

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